that was mitt romney's plan. it's starting to get traction with democrats. you could end the benefit on second homes and vacation properties or you could eliminate the whole thing all together. obviously the realtors, home builders, anybody making money off housing is opposed to changing this deduction at all. jerry howard, ceo of home builders association, says even the debate is "chilling the market." gary thomas, president over at national association of realtors says the mortgage interest deduction is vital to the stability of the american housing market and the economy. now, whatever cut is adopted, if it's adopted, it would hit those hardest who are at the beginning of a big mortgage and therefore are paying the most in interest. that's how mortgages work. and that is big because so many people have recently refinanced so they are all at the beginning. this one is going to be really interesting. simon? >> thank you very much for that diana. scary. >> interesting. >> thank you very much. we were talking about -- have you seen the tax breaks going on fle